Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$71,751Cash toward the purchase price.
Closing costs + prepaids$10,591Not just lender fees.
Before credits & paid funds$82,342The complete starting cash picture.
Estimated remaining funds due at closing
$82,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,751.23
Your down payment$71,751.23
Closing costs + prepaids$10,590.66
Total buyer cash needed$82,341.88
Remaining funds due$82,341.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,289.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$698.25
Initial HOA (3 months)$978.00
Prepaid interest, first (30 days)$400.41
Fees + prepaids$10,590.66
Your down payment is the seller’s equity. You take over the $157,149 balance, so the rest of the $228,900 price is paid at closing. A second mortgage can cover part of it. $82,341.88 is due at closing. Uses and sources reconcile at $239,490.66 each. Not a Closing Disclosure.